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Texas Insurance Blog

What to look for in an auto policy for a teen driver

InsPeak is proud to serve the insurance needs of the greater Arlington, TX community. If you have a teen in your family who is about to start driving, we’re here to help you update your auto policy. In fact, our team can help you with all your insurance needs, no matter the type! Stop by our office or give us a call today to learn more about our services.

Features to look for when choosing an auto policy for a teen driver 

Few moments in life represent a passage to a new phase than starting to drive. Many teen drivers are excited about the new-found freedom that a driver’s license provides. Of course, with this independence comes responsibility. If you’re looking to insure a new teen driver, here are a few factors to consider:

  • Fender benders and other minor mishaps are often more frequent for new drivers.
  • It often makes sense to have a separate policy for teens than to add them to a family policy.
  • Roadside assistance is an important feature to have.

No matter how you insure them, a new teen driver in your family will likely change your overall policy needs. Our team is here to review your family’s situation and provide the information you need to make your decision. We’re here to help!

We’re here for you!

Families in Arlington, TX, and the surrounding area turn to the InsPeak team for all their insurance needs. Our team is helpful and knowledgeable and wants you to have the protection that’s right for your needs. Call us today to learn more about our full line of insurance services.

We look forward to hearing from you soon!

Common Myths about Auto Insurance

Auto insurance is a competitive market, and by shopping around, you’re bound to obtain quality coverage at an affordable cost. To get the best deal, however, you need to know what’s true and what’s not about auto insurance so you don’t make mistakes in the policy you buy. At InsPeak in Arlington, TX, we’ve compiled the following list of auto insurance myths to help you choose wisely.

Here are some common myths you should be leery of when buying auto insurance:

Myth: Certain car colors are more costly to insure than others.

The color of the car has nothing to do with your auto insurance costs. The vehicle make and model may impact the cost of your coverage due to having higher repair costs in the event of an accident.

Myth: Comprehensive insurance protects you from everything.

Comprehensive auto insurance coverage covers damage to your vehicle from non-collision causes, such as falling branches, bad weather, or vandalism. It also protects your car from theft. For other forms of protection, such as collision damage, injuries to you or others, or property damage to others, you’ll need to purchase collision, personal injury protection, or liability coverage.

Myth: Your credit rating has no impact on auto insurance rates.

Many insurers consider your credit score when quoting insurance rates as your credit rating says a lot about how you manage your finances. A good credit rating could reduce the cost of auto coverage.   

Myth: If you allow another person to drive your car, his or her car insurance will cover damages in the event of an accident.

Car insurance follows the vehicle it’s protecting, not the driver. That means your insurer will be responsible for covering accidents caused by guest drivers.

Need Auto Coverage?

To learn more about auto insurance coverage or to purchase an auto policy, contact InsPeak in Arlington, TX.

Choosing an auto policy for a pre-owned vehicle

The team at InsPeak understands that pre-owned vehicle owners in the Arlington, TX area may have questions about insurance. We are here to let you know about the policy options that are available in our area and help you find one that meets your unique needs. Give us a call or come by our office today to learn more.

Auto insurance for pre-owned vehicles

If you have recently bought a pre-owned vehicle, or you are planning to do so in the near future, you may have some questions about auto insurance. While pre-owned cars don’t depreciate as rapidly as new vehicles, there are still some important coverage features that you will want to make sure that your policy offers.

In addition to robust liability and collision protection, you will want to ensure that your policy offers comprehensive protection in the event that your vehicle is involved in an accident and subsequently deemed totaled. This protection can add another layer of coverage in case the amount of money that your insurance pays out for the totaled vehicle is less than the amount still owed.

Of course, every policy is different, and it is very important to understand what the policy you select covers and does not cover. Working with a local agent is an effective way to ensure that the auto policy that you end up choosing provides the coverage that you need for your pre-owned vehicle. 

Find out more today!

If you live in the greater Arlington, TX area and have questions about insurance, InsPeak is here to help. Our team is friendly and knowledgeable and ready to answer any questions that you may have about auto insurance. Stop by our office or give us a call today to find out more. 

Is basic auto insurance ever enough?

Arlington, TX is located between Dallas and Fort Worth. As a suburb, many people drive to either of the cities to work or for entertainment. Having a car is a necessity, and when you have a car in Texas, you need to have auto insurance. Ensuring you have the correct coverage for your needs is vital; no one wants to pay for more than they need. At InsPeak in Arlington, TX, we have an experienced team dedicated to making sure every customer gets the personal service they deserve.

In the state of Texas, basic auto insurance is liability coverage only. The state mandates it. The coverage you must carry is $30,000 in injury per person and $60,000 for all the injuries in an accident. Additionally, you must have 25,000 in property damage coverage. This is enough auto insurance if you don’t have many assets, but if you own a home and have savings or investments, you might want to consider having a higher level of liability protection. Given the amount a judgment could amount to and the cost of legal representation, you might find basic insurance isn’t enough. 

Basic insurance doesn’t provide any protection for your vehicle. If your vehicle is financed, chances are you will be required to carry additional insurance to protect the vehicle. If you own your vehicle outright, and it is worth more than a few thousand dollars, having additional insurance can be a benefit to you. Collision coverage will repair or replace your vehicle in the event you are at fault in an accident. Comprehensive insurance protects your vehicle from theft, vandalism, and perils beyond your control. 

In the simplest terms, basic insurance may be enough but talking to your insurance agent will help you decide the right amount. Contact InsPeak in Arlington, TX for all your auto insurance needs.

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